Compare Petplan & Pumpkin pet insurance

Pumpkin is new to pet insurance. And it shows.

Choose Petplan
Two puppies with a thought bubble of a bone

When it comes to our experience vs. Pumpkin’s, it’s no contest

Petplan has been working exclusively in the pet industry for over fifteen years and protects over 250,000 pets. Since then, we’ve helped pay back over $450 million to our pet parents.

Why Petplan is better than Pumpkin

Policy Details

Age limits

6 weeks and up

8 weeks and up

Curable exclusionary period

12 months

180 days


Dental Coverage


Customer Service

Live chat available

Dedicated app

Information last updated January 2021.

Pumpkin doesn’t think pet health includes dental health


Petplan protects all of your pet’s teeth (every adult tooth—not just the canines) from accidents, illnesses, injuries and diseases, with no broad condition exclusions.


Pumpkin’s limited coverage does not cover endodontic or orthodontic dental services such as caps, crowns, crown amputation, fillings, implants, or root canals.

Choose Petplan
Cat brushing its teeth
Dog with drawing of hip bones

While you're waiting for Pumpkin to reply, we're here for you


You can’t predict when your pet will need care, which is why Petplan is always available. Between our app, live chat and agents, you’ll get you the help you need seven days a week.


Pumpkin is only available Monday through Friday 8 a.m. to 8 p.m. EST. They also don’t offer live chat and you could get stuck waiting for them to respond to your email – time that your pet might not have.

Choose Petplan

Our app makes it easy to submit claims and get paid fast. Pumpkin doesn’t have an app.

Snap photos of your documents, send them to us and we’ll do the rest. If you need help, get it 24/7 from our helpful chatbot Leo.


Pumpkin does not have a dedicated app. You need to scan documents and upload them via their website.

Choose Petplan
Kitten with glasses

Petplan has your back if you're hospitalized, unlike Pumpkin


We’re not just here for your pet—should you require hospitalization for 4 days or more, we’ll cover up to $1,000 of your pet’s boarding fees.


Pumpkin doesn’t cover this, so you’ll need to find someone to take care of your pet or incur expensive boarding fees.

Choose Petplan

Your plan options are limited with Pumpkin


With Petplan, you have the freedom to customize a price that fits with your budget.


Pumpkin only gives you three deductible choices: $100, $250 and $500.

Choose Petplan
Dog with bandage and stethoscope
Cat with a magnifying glass

Petplan is clearly the better choice for you and your pet

Choose Petplan